Home Insurance in Diamond, Missouri
With a median home value of $141,400, Diamond is 26% lower than the Newton County median.
The typical home in Diamond was built around 1984. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 20% of homes were built before 1960, about 2 points below Newton County's 22%.
The housing stock in Diamond is 90% single-family homes and 9% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
74% of owner-occupied homes in Diamond carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Diamond has an owner-occupancy rate of 78% and a vacancy rate of 6%; unoccupied homes typically need a different coverage form.
Most homes in Diamond - 65% - are primarily heated with electricity.
Newton County's top FEMA-rated hazard is tornado (Relatively Moderate), per FEMA's National Risk Index. Newton County had 175 active NFIP flood policies as of September 2026. See the full Newton County home insurance overview for all FEMA hazard ratings and flood coverage details.
The statewide average premium for a standard HO-3 homeowners policy in Missouri is $1,589 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $141,400 |
|---|---|
| Median year built | 1984 |
| Owner-occupied share | 78% |
| Share of owner-occupied homes with a mortgage | 74% |
| Top county hazard | Tornado (Relatively Moderate) |
| Active NFIP policies in Newton County | 175 |
| Home insurance premium | $1,589 - statewide average (NAIC, 2023 data) |
Nearby towns
Sources
Data last updated: 2026-09-29
- U.S. Census Bureau Gazetteer Files (2024)
- U.S. Census Bureau, American Community Survey 2020-2024 5-Year Estimates (2024)
- FEMA National Risk Index (December 2025)
- FEMA OpenFEMA NFIP Redacted Policies v3 (2026)
- NAIC Dwelling Fire, Homeowners Owner-Occupied, and Homeowners Tenant and Condominium/Cooperative Unit Owners Insurance: Data for 2023 (published 2026) (2023)